The National Pension System is a government-regulated, market-linked retirement savings scheme open to any Indian citizen aged 18–70. You can open an account entirely online through eNPS, choose how your contributions are invested, and claim tax benefits under Section 80C and the additional 80CCD(1B) deduction. On retirement, part of the corpus is withdrawn tax-free and the rest is used to buy an annuity for regular pension income.
Official website
Pension Fund Regulatory and Development Authority (PFRDA) / eNPS
https://enps.nsdl.com
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Visit the official eNPS portal (enps.nsdl.com) or the CRA portal linked from PFRDA's site.
Register using Aadhaar-OTP e-KYC or your PAN with bank details.
Choose Tier I (mandatory, locked-in retirement account) and optionally Tier II (flexible withdrawal).
Pick a Pension Fund Manager and your asset allocation — Active or Auto choice.
Make the minimum initial contribution online and get your PRAN (Permanent Retirement Account Number).
Official fees
Minimal registration and annual maintenance charges set by PFRDA; minimum contribution is ₹500 (Tier I) per transaction, ₹1,000 minimum per year.
Processing time
PRAN is usually generated within a few minutes to a couple of days for e-KYC-based registration.
Validity
Account stays active for life; Tier I withdrawals are restricted until retirement age (60) except for specific partial-withdrawal rules.
How to apply
Online (eNPS) · Offline (through a Point of Presence bank/institution)
Sponsored
Contributions qualify for deduction under Section 80C (up to ₹1.5 lakh, combined with other 80C instruments) plus an additional ₹50,000 under Section 80CCD(1B), over and above the 80C limit.